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Visitor Insurance > Knowledge Center > What Types of Plans?
Visitor Medical Insurance: Types of Plans
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| A. Comprehensive Coverage Plans | B. Scheduled Benefit / Limited Coverage Plans | |
| Coverage | Enhanced and better benefits as compare to limited coverage plans. Best suitable for higher risk or big amount. | Provide Basic Coverage. Good for general or basic service and to cover lower risk. |
| Benefit and Liability | Most comprehensive coverage plans works like PPO type plan where insured liability is deductible and co-insurance. | Basic coverage, all possible medical treatment/service cost is pre decided. Example each Dr visit X $ |
| PPO Network | Most of them are PPO type plans and has PPO network, means grater acceptance inside the network and get discounted rates. | No PPO network. You can visit any Dr, hospital expenses will be paid as per the pre defined rates in the policy. |
| Can you visit any Doctor or Hospital? | You may visit any Dr. but it is advisable to visit a facility under the Provider Network if PPO network available. | Yes, But no matter which Dr you go, plan will pay you predefined limit of per Dr Visit or service taken. |
| Travel Related coverage | Most of them has travel related coverage bundled, and provide you coverage like Trip cancellation, Baggage loss, Terrorism etc. | None. |
| Rates/Cost | Higher premium | Low premium (low cost) |
| Example Plan | Liaison International, Atlas America, Visit-USA etc. | Inbound USA, Travelers Liberty |
These are some common features people need to look for when buying a plan, rest of the factors like hospitalization, evacuation, surgery etc., should be checked in detail in the respective brochures or write-ups once you decide on the type of plan.
Visitor Insurance plans offered on this website, falls under the following type:
| Comprehensive Coverage Plans | Limited / Fixed Coverage Plans |
What Type of Plan should I buy ? By answering the following question you can get the answer 1. "I want to pay less and buy a basic coverage plan, but I know and understood that limited coverage plan may not be adequate in case of any bigger medical/accident condition. In such event I am ready to pay any additional expenses from my pocket"
OR 2. "I do not want to take any risk and would prefer to pay a little more now, but want a coverage that protects me from any bigger expenses".
(Note: For Age 80+ most of the comprehensive coverage plans has limitation on maximum coverage, call us to discuss a alternative or better coverage) |
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